What happens after I make my last chapter 13 payment

Updated: 15th May, 2022
Ashley Astors
Verified Collections Expert

Learn what happens after your repayment plan is finished.

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Three important things to know after you make your final chapter 13 payment:

  1. You’ll receive a discharge order that absolves you of the listed debts
  2. Chapter 13 lasts seven years from the date of filing, not the date of case closure
  3. While you will be absolved of debt, the bankruptcy will stay on your credit report for seven years (unless removed)
  4. Your score will likely drop from 150 to 240 points for the first three years

How Do I Know When My Chapter 13 Is Over?

After making your final chapter 13 payment, you will receive a discharge paper absolving you of the listed debt. However, even if you pay it off, bankruptcies stay on your credit report for 7 years (unless removed).

Chapter 13 Dismissal Refund

A chapter 13 dismissal refund is money undistributed to creditors that is returned after a chapter 13 is dismissed.

What Should I Do When My Chapter 13 Is Nearing Completion?

Completing a chapter 13 repayment plan means you will receive a discharge order wiping out the remaining balance of qualifying debt.

Chapter 13 Bankruptcy Discharge Process

Once you complete a chapter 13 repayment plan, you are eligible for a discharge. After your final payment is made, you will receive formal notice of your discharge.

Get Your Bankruptcy Removed Professionally

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (833) 766-4803 or setup a consultation with them. They also happen to have incredible customer service.

Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams/

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